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Fees and charges

Wondering how much mortgage fees will cost you? It can depend on a number of factors, like your personal situation, or the mortgage product you’re applying for.

Shared Ownership

Shared Ownership gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new build or resales property.

What is Right to Buy?

Right to Buy is a government scheme that lets you buy your home at a substantial discount if you’re a council tenant.

The policy was introduced by Margaret Thatcher in the 1980s and remains popular.

You might even be able to use your discount as a mortgage deposit so you can buy your home with less savings.

Can I get a mortgage with bad credit?

Yes, it's often possible to get a mortgage with a bad credit history, although your options may be limited.

Read more: https://www.which.co.uk/money/mortgages-and-property/mortgages/getting-a-mortgage-with-poor-credit/bad-credit-mortgages-ay2m91n0u9mu - Which?

Help to buy

You may be able to get financial help from the government to buy a home.

You could get:

What is equity release?

Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

Mortgage protection insurance

basically, a specific type of life insurance. They both pay out to look after your family when you die, but with mortgage protection insurance, the money is designated for mortgage payments, while life insurance doesn't have any restrictions.

Should you remortgage?

A remortgage is where you take out a new mortgage on a property you already own - either to replace your existing mortgage, or to borrow money against your property. Around a third of all home loans made in the UK are actually remortgages. This guide spells out when you should or shouldn't remortgage.

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Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.